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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $34,667 | $64,324-46.1% | $118,914-70.8% | $79,856-56.6% |
| Participation rate | 90.1% | 64.9%+25.3pp | 75.4%+14.7pp | 69.6%+20.5pp |
| Annual return | 12.81% | 86.45%-73.6pp | 35.89%-23.1pp | 31.71%-18.9pp |
| Employer contribution / active EE | $865 | $1,836-52.9% | $3,264-73.5% | $2,471-65.0% |
| Participant deferral / active EE | $1,598 | $2,824-43.4% | $4,266-62.5% | $3,741-57.3% |
| Admin fee / account holder | $3,913 | $4,040-3.1% | $6,582-40.6% | $5,306-26.3% |